Finally! An affordable, hassle-free consumer financing lending platform with instant credit decisions and aggressive credit policies.
Access to Multiple Lenders. One, Easy to Use Platform.
Check Approval Terms Without Affecting Credit.
Get Paid Upfront With No Recourse.
"They make the entire loan process smooth, efficient, and stress free. You can trust them. It's like an in-house financing department without the negative side."
Brett S. - Los Angeles, California
Offering financing options to your customers increases your company's cash flow. Many customers depend on payment plan offerings to be able to afford high-ticket purchases. Our multi-lender platform will approve Prime, Near-Prime and even Sub-Prime borrowers down to 550 FICO scores with affordable terms and fixed interest rates that result in a consistent monthly payment that never increases. Offering financing will result in more customers with purchase power and a higher average transaction size.
Enrolling in the ePay Finance consumer financing platform gives your customers access to multiple lenders with a single pre-application process. We blanket he borrower pool with offers for those with excellent credit expecting low, single-digit interest rates to those with sub-prime credit that are typically not desirable for most lenders. Many applicants receive multiple offers so they can choose the offer with the terms, interest rate and payment that best fits their budget. Initial offers are made without affecting credit scores.
We make it easy. From enrollment and training to servicing your customers offers and loan applications. Its like having your own personal financing department. we provide you with the tools and training and then back it up with unmatched ongoing customer service to make sure the program exceeds your expectations. All activity and communication is tracked through our online merchant portal which provides real-time status updates on every applicant. Our platform was designed with simplicity and convenience in mind.
Offering financing options to your customers increases your company's cash flow. Many customers depend on payment plan offerings to be able to afford high-ticket purchases. Our multi-lender platform will approve Prime, Near-Prime and even Sub-Prime borrowers down to 550 FICO scores with affordable terms and fixed interest rates that result in a consistent monthly payment that never increases. Offering financing will result in more customers with purchase power and a higher average transaction size.
Borrowers are funded directly and participating merchants are notified upon funding to collect their fees. Not only is their no recourse to the merchant if the borrower defaults on the loan but merchants are only billed discount rates on collected fees. If a merchant decides to use the funds for another purpose, there is no cost to the merchant.
Every participating merchant receives their own borrower application link and customlanding page. Merchants are able to have customers complete the application, on the fly, from any web-enabled device; such as a laptop, tablet or smart phone. Application links can be emailed or linked to from your website.
Our marketplace lending platform features immediate credit decisions and "check-your-rate" functionality which allows your customer to check approval terms without affecting your customer's credit score. Many applicants will receive multiple offers from more than one lender providing an opportunity to the customer to choose the offer that best suits their budget.
With traditional lending options the merchant is typically not funded until product is delivered or services are completed. This can be a problem in situations where completion of delivery of product or service is not immediate or when required materials must be purchased ahead of time. With our platform, merchants are notified upon funding and are able to collect a partial down payment or in full upon notification.
Discount is only applied towards collected invoiced amount.
ePay Management is a leader in the payments and consumer financing industries.
As a management company and true business partner to our clients we provide "out-of-the-box solutions as well as custom programs for our customers based on their individual business needs.
Please visit epaymgmt.com for more information.
